CKW Financial Group Blog

At the end of 2019 a 60/40 portfolio may have been judged as too conservative. But true to form, a 60/40 portfolio is almost back to even as of the end of May 2020. Even if the S&P 500 is 200 points behind the start of the year, a simple rebalance at the end of...

Do you believe Stocks will outperform Bonds over the next 5 years? Do you believe money you do not need for 3-5 years will outperform the 5 year Treasury at maturity (.5%)? Do you have money you do not need for 5 years in cash? Did you also know: The S&P 500...

Definitions of Fancy: Expensive, Exclusive, and Elaborate. And our Desires, Hopes, and Dreams of what ‘fancy’ will accomplish. Fancy math suggests lower risk and greater reward. Over the last 25 years (or rolling long term investment horizons of clients), old MPT...

The Baby Boomer generation is most often defined as those individuals born between 1946 and 1964. The Vietnam War, recession, stagflation, oil crisis and double digit interest rates was the landscape as the double income households entered adulthood and the work...

Boomers. Roughly 25% of our population (30% at birth), born ~1946 – 1964. In my view, boomers are the luckiest generation ever (more in the next blog). With a shrinking baby boomer population slow, growth of GDP, lower demand and declining value of boomer goods will...

If the definition of Passive is an index created and managed by someone (S&P), then passive indexes change and are therefore potentially active. If an equally weighted S&P 500 portfolio is compared to the cap weighted S&P 500 index, the equally weighted...

The people who make $5 million a year and spend it all are not the rich. Because at the end of the year they still have nothing. So, who are these rich people and why? Older people who have saved and invested have more than younger people. And people who have saved...

You?Adjusted Gross Income (AGI), on tax returns filed with the IRS, based on 2015 data, are as follows:AGI $100,000 or greater = 17.4%AGI of $200,000 or greater = Top 5%AGI of $500,000 or greater = Top 1% of tax returns filed The number of rich people gets even...

Average is rare, does not stay the same, and slowly moves above and below where the average was. Why does the real estate market report median price while the stock market reports mean valuation? The 25 year average PE is going to rise because PE’s 25 years ago were...

Gatekeepers who are or want to be Asset Managers need to choose. The standards of Gatekeepers letting Asset Managers pass the gate have not changed much since I taught Manager Selection and Due Diligence for IMCA’s CIMA certification. What has changed are the...